Fee for Service |
Revised January 2024 |
| Transaction Fees | |
| Retail transaction fees (choose WestobaONE add-ons to eliminate this fee) | $1.50 |
| Commercial debit items (carry a minimum monthly balance to eliminate this fee) | $0.65 |
| ATM Fees | |
| Acculink (Canadian Credit Union ATM) | FREE |
| Interac (Canadian Banks) | $2.00 |
| Cirrus (International ATMs) | $5.00 |
| Bill Payments | |
| In branch or via Virtual Services | $3.00 plus account service charge |
| In branch or Virtual Services Westoba Collabria credit card bill payments | FREE |
| Online banking | FREE |
| Negotiables | |
| Money Order (CDN) | $15.00 |
| Primary Order (CDN or USD) | $10.00 |
| Certified Cheque | $20.00 |
| Draft (USD) | |
| <$10,000 | $15.00 |
| $10,001 – $24,999 | $20.00 |
| >$25,000 | $25.00 |
| Stop Payments – Cheque or ETF | |
| All information provided | $15.00 |
| Partial information provided | $20.00 |
| Stop all | $40.00/month |
| Wires | |
| Between Credit Unions Incoming and Outgoing | Please contact us for pricing. |
| Within Canada Incoming and Outgoing | Please contact us for pricing. |
| Outside Canada Incoming | Please contact us for pricing. |
| Outside Canada Outgoing | Please contact us for pricing. |
| Account Services | |
| ClickSWITCH – subsequent enrollment | $25.00 |
| Organization account signers changing more than once per year | $35.00 |
| Cash Order ($10,000 or greater) | $75.00 |
| Coin Deposit or Withdrawal | $0.10 per roll |
| Post-dated cheques held for deposit | $2.00 |
| Dormant account fee | $40.00 |
| Full Membership Closure (opened 6 months or less) | $50.00 |
| Customer Automated Funds Transfers | |
| AFT set up – lending payment or investment | $20.00 |
| AFT change | $5.00 |
| Foreign Currency – Non USD | |
| Purchasing or cashing foreign currency (non USD) | Service provider fee |
| Registered Products | |
| TFSA Variable Withdrawal more than one a month | $3.00 |
| Full transfers | $100.00 |
| Registered Education Savings Plan transfer | $100.00 plus Concentra fee |
| LIRA or LIF special withdrawal | $100.00 |
| Statements | |
| Monthly mailed | $3.00 |
| Electronic (e-statement) | FREE |
| In branch statement printing | $5.00 |
| Print version of electronically signed documents | $5.00 |
| Transfers | |
| Transfer from one Westoba account to another via Virtual Services | $2.00 |
| Transfer from one Westoba account to another via branch phone request | $5.00 |
| Transfer from a USD account to a CDN account | $1.00 |
| Non-registered transfer out to another financial institution | $50.00 |
| Online banking | Free within monthly transaction count, if applicable. |
| Automatic Pre-Authorized Transfer (PAT) | Free within monthly transaction count, if applicable. |
| eTransfer | $1.00 |
| Request Money Deposit | $1.00 plus account service charge, if applicable. |
| AgriInvest Direct Transfer out to another financial institution | $100.00 |
| SAFETY DEPOSIT BOXES *all sizes might not be available at branches | |
| 1.5″ x 5″ | $40.00 |
| 2.5″ x 5″ | $50.00 |
| 3″ x 5″ | $55.00 |
| 3.25″ x 5″ | $60.00 |
| 5″ x 5″ | $70.00 |
| 2.5″ x 10″ and 3″ x 10″ | $80.00 |
| 5″ x 10″ | $95.00 |
| Key replacement | $30.00 plus cost |
| Drilling and repair | $150.00 plus cost |
| Administration Fees | |
| Bank Confirmation Fee | $25.00 |
| Closing a membership within 6 months | $25.00 |
| Duplicate Tax Slips/receipts | $15.00 |
| Estate membership opening | $100.00 |
| Interac flash deactivation | $20.00 |
| MemberCard Replacement (except a renewal card) | $15.00 |
| Official communication on Westoba Credit Union letterhead | $30.00 |
| Online banking | Free |
| Rush Mortgage request | $100.00 |
| Specialized Estate Assistance Fee | $275/hour plus GST (1-hour min.) |
| Specialized Assistance Fee (Registered Products) | $275/hour plus GST (1-hour min.) |
| T3 Preparation/Return Filing Fee | $275/hour plus GST (1-hour min.) |
| Cheques | |
| Personal cheque order (plus GST) | |
| 4 | $9.00 |
| 12 | $18.00 |
| 24 | $20.00 |
| 48 | $25.00 |
| 100 | $35.00 |
| Business cheque order (plus GST) | |
| 12 | $35.00 |
| 50 | $40.00 |
| 100 | $55.00 |
| 200 | $95.00 |
| 400 | $140.00 |
| 600 | $190.00 |
| Mail an in-branch and online personal cheque order | $10.00 |
| Mail an in-branch and online business cheque order | $10.00 |
| Clearing Items and Overdrafts | |
| Returned item – non-sufficient funds (NSF) | $40.00 plus overdraft fee |
| Unauthorized Overdraft | $10.00 per item |
| Authorized Overdraft | $5.00 charged once per month if used |
| Night Deposits | |
| Disposable bags (group of 100) | $20.00 |
| Initial cloth credit union bag and key | $40.00 |
| Third-Party Fees | |
| Personal Property Registration Fee (Includes Search, Amendments, Renewals & New Registration) |
$12.00 – $18.00 per search/per year (will vary on province)* |
| Land Titles Fee – Search | $22.00 – $31.00* |
| Land Titles Fee – Discharge | $128.00 per registration* |
| Manitoba Company Office Search Fee | $5.00* |
| Tax Search Fee – Winnipeg & Rural | $0.00 – $23.75* |
| Out of Province Search | Third-party costs vary by province and type |
| *Subject to change | |
| Looking for ways to reduce service fees? Talk to us! Call 1-877-WESTOBA, infowcul@westoba.com, or visit us in branch. |
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